The UK's premier broker for Holiday let mortgages

Specialist advice

We are specialist mortgage brokers for holiday let mortgages and holiday home mortgages.

Investment in residential property has grown at a tremendous rate over the last few years; mainly due to the Buy to Let investment. Growth in Buy to Let investment has been nothing short of phenomenal, fuelled by the combination of easily available finance, the advent of the AST and the British love affair with property ownership. Buy to Let has given any savvy member of the public an opportunity to make a lot of money….of that there is no doubt.

However, if you have come as far as our website, you have already realized the potential of an alternative; running a Holiday Lettings Business. All the benefits of Buy to Let investment; capital growth and tangible security but with potentially less risk. After all, the holiday makers pay for the holiday rental in advance; and of course a legal landlord tenant relationship, as created by an AST does not exist.

You may have previously considered Buy to Let Investment, but discounted it due to the tax position.  Well just click through to our furnished holiday let tax guide, we think that HMRC are being unusually generous.   

As well as investment potential, we are finding that many purchasers of Holiday Let properties, second homes or holiday homes, have an ulterior motive. Eighty percent of our clients have told us that it is their intention to retire to and live in their Holiday Let property. This is perfectly feasible, providing the property has full residential usage*. The real plus points for these people are that in the interim period, the property is paying for itself at today’s prices. Of course, if you retire to your holiday home, and nominate this as your main residence, there is a reduced capital gains tax calculation.

So how do I raise the finance? Click through to our holiday let mortgage finance page to see just what is possible. We can arrange holiday let mortgages and holiday let remortgages with all the holiday let mortgage companies.

* Some properties have restricted usage which you should check before purchasing. Typically, this deems them to be mainly holiday let only properties which means you cannot live in them permanently.

We can also assist with holiday let mortgages and remortgages in Scotland